Free Online Dashboard Credit Repair Services
Dashboard Credit Repair Services
Good credit repair companies usually have good records, strong networks, and good professional relationships with all the major credit agencies. They do not try to defraud you or charge high fees. They can help you obtain loans at low interest rates and provide you advice on how to maintain good credit in the future. But beware of the scams when it comes to credit repairing. Below are some ways to distinguish between the legitimate firms and the scams.
If the customer service is substandard, this should be a warning sign. Scams in the credit repair industry include those that do not have good consumer service practices. Customers who call to report problems are upset because they are not getting the answers that they need. The representatives often tell them that there is nothing they can do about their bad credit, so they should keep looking.
A credit repair service may offer to change your credit reports for free if you agree to purchase certain items or pay a fee. These services may offer to raise your credit score from an unsatisfactory level to an acceptable one. The only way to verify whether these companies really can change your score is to purchase one of their credit reports. If the company cannot produce a credit report to prove that it can increase your score, you should beware.
Free Online Dashboard Credit Repair Services
A credit repair consultation firm does not give out credit reports. However, they can provide suggestions about what changes would improve your score. The only way for this to work is if the credit consultation firm has access to accurate, up-to-date scores from at least three credit reporting agencies. The consulting firms usually charge a fee for this service. The increase in the number of reports will not dramatically increase your score. And because the increase will not make much of a difference in your finances, you will still have to pay the fee.
A good credit repair company will send you a detailed report with all of the pertinent information that they can gather from checking your reports. The report usually includes the following information: the amount owed, your current payment status, any late payments, your longest account history, your current income, and any other pertinent information. You are entitled by law to receive a copy of your credit reports once per year. You need to request this information from each of the three bureaus: Experian, Equifax, and TransUnion. The law requires that you wait at least 90 days before examining your reports.
The next time you visit a credit consulting firm, you should ask them if they send a free online dashboard. The online dashboard lets you track the progress that the credit repair services have made on your credit. After all, you will be the one paying them! The online dashboard also allows you to check to see if the credit bureaus have raised your credit score. Most of the time they will raise your score, but if they haven’t yet you may want to request that your score be raised so that you know what the average score is.